| PORTFOLIO
MANAGEMENT & INVESTMENTS |
When you take into account the current economic climate combined with
future forecasts for inflation many people are now looking to invest
their monies prudently over the medium to long term for income or
capital growth in order to try and achieve a better overall return,
than available from deposit based investments, which in some cases
are struggling to even keep up with the current inflation rate.
The only problem is that there are now thousands and thousands of
different products available with hundreds of different providers
to choose from, which when combined with the different tax regimes
and rules that are applicable to each product the choice is now bewildering.
Before any investment decisions are taken, it is imperative to carefully
consider many factors which include the following:
• The Risk Profile of the Investor
and the requirement to protect capital or accept capital loss.
• Term of the Investment, the required
liquidity and required access to the monies.
• The Investment objective - Capital
Growth, Income or both.
• Any existing investments the
investor may have.
• Full range of products available
on the market.
• Financial and Family circumstances
of the investor.
You can now see why it is so important to seek Independent Financial
Advice before making any investment decisions.
The variety of products is now so vast and complex that the expertise
and research facilities provided by an IFA is invaluable in preventing
you from selecting the wrong product or provider to meet your circumstances,
which could have dire consequences on your financial situation.
Howard Financial Services now offer a Portfolio Construction Service
and an ongoing advisory Portfolio Management Service in order to guide
you through the ever growing maze of products.
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The
Difference Between an Independent Financial Adviser and Other
Salesmen:-
In the late 1980's, new laws meant that
all Financial Advisers had to choose whether they wanted to
be Independent and free to recommend any product from any company
they wished, or be tied to one company and only allowed to sell
the products of that company.
The difference between the two forms of Financial Advisers is
that IFA's, like ourselves, stand alone - we are appointed by
a client to find the most suitable product in the market. In
contrast, other Advisers represent one insurance company and
are permitted to sell only the products of that company. Every
individual has different financial needs, so it is unlikely
that one insurance company can hope to provide the entire solution
for everyone.
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